ARCATRAD
ActiveARCATRAD has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €36k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 30% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▼-40
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 2.29 in 2024; short-term debt: 82.3% and cash: 81.1% of total assets), and 82.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.4%
Return on assets
29.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
52 d early
2024
32 d early
2023
41 d early
2022
59 d early
2021
15 d late
2020
18 d late
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 69.9%
2024 · €70k
2019: €66k
2020: €92k
2021: €78k
2022: €104k
2023: €73k
2024: €70k
2019 → 2025
Total assets
€122k▼ 1.4%
2024 · €124k
2019: €75k
2020: €98k
2021: €87k
2022: €105k
2023: €132k
2024: €124k
2019 → 2025
Net result
€36k▲ 17.2%
2024 · €31k
2019: €54k
2020: €26k
2021: €-14k
2022: €20k
2023: €40k
2024: €31k
2019 → 2025
Working capital
€17k▼ 74.9%
2024 · €68k
2019: €48k
2020: €70k
2021: €61k
2022: €93k
2023: €68k
2024: €68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€104k▲ 33.9%€73k▼ 29.6%€70k▼ 3.9%€21k▼ 69.9%
Operating result€-13k-€25k€56k▲ 123%€43k▼ 22.7%€50k▲ 15.9%
Net result€-14k-€20k€40k▲ 96.2%€31k▼ 22.9%€36k▲ 17.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€5k▲ 50.8%
Current assets
€117k▼ 2.7%
Equity and liabilities €122k
Equity
€21k▼ 69.9%
Debt
€101k▲ 89.4%
The debt ratio rises from 43.0% to 82.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €49k
Cash flow
€37k▲
2024 · €36k
Solvency
17.4%▼
2024 · 57.0%
Current ratio
1.17▼
2024 · 2.29
Quick ratio
1.17▼
2024 · 2.29
Debt / equity
4.74▲
2024 · 0.75
ROE
168.5%▲
2024 · 43.3%
ROA
29.4%▲
2024 · 24.7%
Interest coverage
98.25▼
2024 · 114.71
Debt
€101k▲
2024 · €53k
Debt ≤ 1 year
€100k▲
2024 · €53k
Income taxes
€14k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€124k€122k▼
Fixed assets21/28€3k€5k▲
Tangible fixed assets22/27€3k€5k▲
Furniture and vehicles24€3k€5k▲
Financial fixed assets28€30€30=
Current assets29/58€120k€117k▼
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€16k€16k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€101k€99k▼
Equity and liabilities
Total equity and liabilities10/49€124k€122k▼
Equity10/15€70k€21k▼
Contributions10/11€19k€19k=
Reserves13€52k€3k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€50k€763▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€53k€101k▲
Amounts payable within one year42/48€53k€100k▲
Trade debts44€931€841▼
Suppliers440/4€931€841▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€10k€13k▲
Remuneration and social security454/9€770€0▼
Other amounts payable47/48€40k€87k▲
Accrued charges and deferred income492/3€407€358▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€1k▼
Other operating charges640/8€739€758▲
Gross operating margin9900€49k€52k▲
Operating profit (loss)9901€43k€50k▲
Financial income75/76B€56€0▼
Recurring financial income75€56€0▼
Financial charges65/66B€423€519▲
Recurring financial charges65€423€519▲
Profit (loss) for the period before taxes9903€43k€49k▲
Income taxes67/77€12k€14k▲
Profit (loss) for the period9904€31k€36k▲
Profit (loss) for the period to be appropriated9905€31k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€36k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€3k€50k▲
Transfer to equity691/2€0€763▲
To other reserves6921€0€763▲
Profit to be distributed694/7€33k€85k▲
Return on contributions (dividend)694€33k€85k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity times 18current ratio 134.53
Current ratio from 7.51 to 134.53; short-term debt falls from €9k to €699.
31-12
Financial
Equity above €100kEq €104k ▲33.9%
Equity rises from €78k to €104k.
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
31-12
Financial
Weakest financial yearnet €-14k ▼155%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-12-2022
Resigned as Manager
Location & real-estate footprint
Registered office, Walcourt · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Mertenne(Cas) 15650 WalcourtGround area
1,103 m²
Building footprint
85 m²
Parcel 93009A0201/00B002, Wallonia. Linked by address, not a title deed.
1 establishment unit
ARCATRAD
since 20182.282.533.328
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93009A0201/00B002 | Wallonia | 1,103 m² | 1 · 85 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SIMcenter Vlaanderen
BE 0648.709.373
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CERUS CASINO ACADEMY BELGIUM
BE 0899.180.201
Comblain-au-Pont · Eq €21k
LYMPHO - KINETICS
BE 0449.601.928
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Of 3,017 companies in sector 85592 we hold annual accounts for 987. 587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2018
Fiscal year end31-12
Activities, NACEBEL
85592Vocational training
74300Other professional, scientific and technical activities
74301Translation services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.